We understand that some of our clients are concerned about the security and
confidentiality of sending and receiving confidential information over the
Internet. Be assured that we take the security of your business and personal
information very seriously. We take all reasonable steps to protect our systems
against intrusion or any other form of attack or compromise.

In addition to your Vault Number and PIN Code, we use 128 bit encryption to
ensure the security of your online transmissions. At all points where sensitive
information is being entered and whenever you retrieve any information from
your Vault, this 128-bit encryption layer is used.

Check that the website with which you are transacting with is a secure site.
The Verisign process is available on the WebVault website and we strongly
suggest that you familiarise yourself with it to ensure security when
transacting. On the Home page, just click on the Verisign logo and follow the
instructions.

When visiting transactional websites look out for a small padlock, which is
shown in the lower right-hand corner of your browser. The padlock tells you
that you are running in SSL (secure socket layer) mode, in which every request
you send is encrypted (scrambled and encoded) using a certificate from a
legitimate security authority.

IMPORTANT NOTE:

Customers using certain versions of Internet Explorer, may, when clicking on
the padlock icon to view the certificate, see the following error message:
'This certificate has failed to verify for all of its intended purposes.' This
scenario is a browser issue, which has been documented by Microsoft. Internet
Explorer users who see this message displayed should be assured that their
connection is secure. The display message is symptomatic of an Internet
Explorer bug - the underlying connection remains secure. Microsoft have offered
the following comments regarding this display error:

Cause: This can occur if Internet Explorer interprets a specific object ID in
the contents of some Server Gated Cryptography (SGC) certificates.

Resolution: This affects only the user interface; Internet Explorer still
communicates by using the secure connection. If you click the Certificate Path
tab in the dialog box, you see the message "This certificate is OK" in the
Certificate Status box.

Never divulge your PIN to anyone - including WebVault staff. No person besides
you has the right to that information. Keep your PIN secret, since divulging
this information could be used by a third party to access your Vault contents.

Be particularly cautious when using public computer terminals - don't allow
people to watch you typing in your information, and ensure that the browser
does not store your PIN code.

To further ensure your exclusive online access, you should change your PIN code
regularly. Use a PIN code that is difficult to guess, i.e. a combination of
numbers and letters in random order e.g. hql67f3a

Your browser may have a setting that stores PIN codes and personal details.
Although this can be convenient when you are using your personal PC at home, it
is very dangerous if someone else might use the browser after you. If your
browser offers to remember your PIN code or any passwords for you - do not
click yes.

A virus is a malicious program that destroys data on your computer. Viruses are
often received via e-mail. To protect yourself from viruses, you should install
credible anti-virus software and keep this anti-virus software up to date. Do
not open e-mails from people you do not know, and never open an attachment or
run a program file unless you are completely sure that they are safe.